System and method for mobile check deposit

ABSTRACT

Machine-readable storage media having instructions stored therein that, when executed by a processor of a mobile device, configure the mobile device to capture a check image for funds to be deposited into a recipient account. The mobile device configured to display a request to a user of the mobile device to provide one or more portions of a MICR line for the received check image and receive user inputs from the user specifying the one or more portions of the MICR line. The mobile device configured to transmit a message to a bank account computer system associated with the recipient account, the message including data specifying the one or more portions of the MICR line.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application is a continuation of U.S. patent application Ser. No.16/517,453, titled “SYSTEM AND METHOD FOR MOBILE CHECK DEPOSIT,” filedon Jul. 19, 2019, which is a continuation of U.S. patent applicationSer. No. 15/229,839, titled “SYSTEM AND METHOD FOR MOBILE CHECKDEPOSIT,” filed on Aug. 5, 2016, which has granted as U.S. Pat. No.10,360,539, which is a continuation of U.S. patent application Ser. No.14/300,089, titled “SYSTEM AND METHOD FOR MOBILE CHECK DEPOSIT,” filedon Jun. 9, 2014, which has granted as U.S. Pat. No. 9,424,569, which isa continuation of U.S. patent application Ser. No. 13/527,493, titled“SYSTEM AND METHOD FOR MOBILE CHECK DEPOSIT,” filed on Jun. 19, 2012,which has granted as U.S. Pat. No. 8,768,038. The contents of each ofthe above-noted applications are herein incorporated by reference intheir entireties and for all purposes.

BACKGROUND

Checks are routinely used to transfer funds from an individual's orbusinesses' account to another individual or business. At the same time,most people carry some type of mobile handheld electronic device, suchas a cellular phone, smart phone, mobile handheld wireless e-maildevice, personal digital assistant, portable gaming devices, and so on.Most of these devices have a wireless internet connection. A person maywish to deposit the funds in their financial institution accounts usingthese mobile devices.

SUMMARY OF THE DISCLOSURE

One embodiment relates to a computer-implemented method that includesreceiving, from a mobile device, a check image for funds to be depositedinto a recipient account and requesting manual entry of one or moreportions of a MICR line for the check image, including highlighting theone or more portions of the MICR line. The method includes receiving theone or more manually entered portions of MICR line from the mobiledevice such that the MICR line identifies at least a routing number andan account number of a sender account that is a source of the funds tobe transferred to the recipient account and transferring the funds fromthe sender account identified by the MICR line to the recipient account.

One embodiment relates to a computer-implemented method that includesreceiving a check image for funds to be deposited into a recipientaccount designated by the user of the mobile device. The method includesrequesting the user of the mobile device to provide one or more portionsof a MICR line for the received check image, including highlighting theone or more portions of the MICR line for the user to edit and receivingthe one or more portions provided by the user from the mobile devicethat completes the MICR line to include at least a routing number and anaccount number of a sender account that is a source of the funds to betransferred into the recipient account designated by the user. Themethod includes transferring the funds from the sender accountidentified by the MICR line into the recipient account designated by theuser of the mobile device.

One embodiment relates to a computer-implemented method for a mobiledevice that includes an image capture device configured to capture acheck image to deposit funds from the account information on the checkto a recipient account. The mobile device includes a display deviceconfigured to prompt a user to provide one or more portions of a MICRline, the display device being configured to highlight the one or moreportions of the MICR line for the user to edit. An input device of themobile device may be configured to generate a keyboard that allows auser to enter characters of the MICR line. The mobile device beingconfigured to send the one or more portions of the MICR line that whencombined with the other portions of the MICR line identifies at least arouting number and an account number for a sender account that is asource of the funds to be transferred to the recipient account.

Machine-readable storage media having instructions stored therein that,when executed by a processor of a mobile device, configure the mobiledevice to capture a check image for funds to be deposited into arecipient account. The mobile device configured to display a request toa user of the mobile device to provide one or more portions of a MICRline for the received check image and receive user inputs from the userspecifying the one or more portions of the MICR line. The mobile deviceconfigured to transmit a message to a bank account computer systemassociated with the recipient account, the message including dataspecifying the one or more portions of the MICR line.

One embodiment relates to a financial institution computing systemassociated with a financial institution. The financial institutioncomputing system includes a network interface structured to connect thefinancial institution computing system to a network and a mobile checkdeposit system structured to receive a check image captured by a mobiledevice. The mobile check deposit system includes MICR scanning logicstructured to determine one or more characters included in an MICR lineof the check image, MICR request logic structured to request a manualinput, by a user, comprising at least a portion of the MICR line of thecheck image, and check deposit logic structured to receive the MICR lineand trigger a transfer of funds to an account.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is a schematic diagram of a computer-implemented paymentprocessing system according to an example embodiment.

FIG. 2 is a process implemented by the payment processing system of FIG.1 to make a check deposit using a mobile device.

FIG. 3 is an example screen that may be shown on a mobile device toinitiate a mobile check deposit.

FIG. 4 a is a screen shot to capture the image of the front of thecheck.

FIG. 4 b is a screen shot to capture the image of the back of the check.

FIG. 5 is a screen shot showing a special keyboard and the user editinga portion of an example MICR line.

FIG. 6 is a screen shot of a verification screen that includes the MICRline for mobile deposit.

DETAILED DESCRIPTION

Referring to FIG. 1 , a computer-implemented check processing system 100is shown that may be used by a user to set up and utilize a mobiledevice for depositing checks. The recipient user may be a businessentity and/or an individual consumer that has one or more recipientaccounts with a financial institution. The recipient account may be abusiness or consumer account. The device can be used to transmit checkimages and data to the recipient bank computer system 120. Additionally,funds can be transferred from the source account bank to the recipientaccount bank. Alternatively, the source account and the recipientaccount can be held at a single financial institution.

Check processing system 100 may include, among other systems, a mobiledevice 110, recipient bank computer system 120, source account bankcomputer system 130, and the automated clearing house system 150. Themobile device 110, recipient bank computer system 120, source accountbank computer system 130, and an automated clearing house system 150 maycommunicate through a network 160, which may include one or more of theInternet, cellular network, Wi-Fi, Wi-Max, a proprietary bankingnetwork, and so on. The mobile device 110, recipient bank computersystem 120, source account bank computer system 130, and the automatedclearing housing system 150 may each comprise a computer system (e.g.,one or more servers each with one or more processors) configured toexecute instructions, send and receive data stored in memory, andperform other operations to implement the operations described hereinassociated with logic or processes shown in FIGS. 2 through 4 .

The mobile device 110 can be configured to access resources provided bya financial institution using an application or a web browser with aconnection to a network (e.g. the Internet). The financial institutionmay publish applications to the user mobile device 110 using variousdigital online marketplaces. The name or web address of the marketplacemay depend on the operating system of the mobile device 110. Theindividuals may, for example, use the mobile device 110 to performbanking tasks such as making deposits. Examples of operating systemsinclude iOS®, Windows Phone®, Symbian®, Android®, Blackberry®, WebOs®,and so on.

The mobile device 110 may allow a recipient of a check to deposit thefunds from the check writer's account to a financial institution accountowned by the recipient. The mobile device 110 may send information thatis on the check to the financial institution to receive funds from thecheck writer's account. Although in the illustrated embodiment themobile device 110 is used to deposit a check using a financialinstitution application, it will be appreciated that the mobile devicemay deposit a check using different mechanisms, for example, through anonline banking area of a web site of the banking institution that allowsa user to upload the image of check.

The mobile device 110 may be used by an individual user (e.g., abusiness owner or employee, a consumer, and so on) to deposit funds toan account. The mobile device may, for example be, a cellular phone,smart phone, mobile handheld wireless e-mail device, personal digitalassistant, portable gaming devices, tablet, laptop, camera or othersuitable device. The mobile device 110 comprises a network interfacelogic 112, display device 114, input device 115, image capture device116, and OCR system 117. Network interface logic 112 may include, forexample, program logic that connects the mobile device 110 to thenetwork 160. As described in greater detail below, for example, themobile device 110 may receive and display screens for mobile checkdeposit, special keyboard for inputting (Magnetic Ink CharacterRecognition) MICR line information, account information, transactioninstructions, and so on. In an example embodiment, such screens may beused to request authentication information (e.g. username and password).Such screens may also be used to prompt the user to provide informationregarding the amount of the funds written on the check and whichbusiness or individual has paid the recipient by a check. Such screensare presented to the user via the display device 114. For example, therecipient may be prompted to provide the name, address, phone number,e-mail, and so on, of the sender. The recipient may also be prompted toselect the sender from contacts stored on the mobile device 110 or toenter information about the sender from memory. The input device 115 maybe used to permit the user to initiate account access and to facilitatereceiving requested information from the user (e.g. MICR line symbols,account number and/or routing number). As will be appreciated, inaddition to or instead of the mobile device 110, users may also beprovided with the ability to access the check processing system 100using another type of computer (e.g., a desktop or laptop computerexecuting browser software) to perform the operations described hereinas being performed by the mobile device 110.

The display device 114 may be configured to generate images and a userinterface for the user of the mobile device 110. For example, thedisplay device 114 may prompt the user to enter the check informationregarding a check deposit transaction. The display device 114 providesvisual feedback to the user when the user attempts to use the imagecapture device 116 to capture an image of a check. In one example, thedisplay device 114 may display guides over the image generated by theimage capture device 116 to allow the user to frame the image of thecheck within a desired area of the screen. The display device 114 can belocated on an opposing side of the mobile device 110 as the imagecapture device 116. The opposing orientation of the image capture device116 compared to the display device allows a user to view the displaydevice while the image capture device 116 is facing away from the user.In other mobile devices, the display device 114 can also be located onthe same side of the mobile device 110 as the image capture device 116.Other mobile devices can include a plurality of image capture devices116.

The input device 115 can be a touch device, keyboard or special touchkeyboard that is connected to or generated by the mobile device 110 oran application on the mobile device 110. The special keyboard mayinclude characters that are found in the MICR line of a check. Numericalcharacters and other MICR line characters such as,

,

,

,

may be part of the keyboard and may be displayed on the keyboard for auser to input the unrecognized characters using the input device 115.

The image capture device 116 may comprise a camera, scanner or othersuitable image capture devices that is configured to capture the imageof a check. The image capture device 116 can include one or more lensesand an image sensor configured to record the images on the memory systemof the mobile device 110. The image capture device 116 can be integratedinto the body of the mobile device 110. The image capture device 116 maybe configured to capture an image of a written instrument such as acheck, cashiers check, bank check or other types of negotiableinstruments and store the image on the mobile device 110 fortransmission to a financial institution. As will be appreciated, therecipient may also use other devices (e.g., laptop or desktop computersystem, not shown) to capture and transmit an image of a check to thefinancial institution.

Upon receiving the image of the check captured by the image capturedevice 116, the mobile device 110 may request that the OCR system 117determine the location of the MICR line and the characters in the MICRline. The OCR system 117 can be an application stored on the mobiledevice 110 or the OCR system 117 can be located on the recipient bankcomputer system 117. The OCR system 117 determines the characters andtheir locations by optical character recognition algorithms. In anexample embodiment, the OCR system 117 may determine of a level ofcertainty that a character has been correctly recognized. For example,if the level of certainty is above a first threshold (e.g., 70%), thecharacter may be considered correctly recognized. If the level ofcertainty is below a first threshold (e.g., 50%), the character may beconsidered unrecognizable, and the user may be prompted to manuallyenter the character. If the level of certainty is between the first andsecond thresholds, the character may be considered uncertain, and theuser may be prompted to confirm that the character was correctlyrecognized or to manually enter a different character.

The recipient bank computer system 120 includes account processing logic122, account database 124, network interface logic 127, and an accountdirectory 129. The computer system 120 may be operated by a firstbanking entity that maintains and handles transaction processing for therecipient's accounts. The computer system 120 is configured to storeinformation regarding the recipient's accounts. By way of example,information for a specific recipient account, designated by referencenumeral 125, is shown as being stored in a database 124. As will beappreciated, database 124 may also store information regarding manyother accounts (not shown).

The recipient bank computer system 120 may receive requests to depositfunds from a mobile device 110 in the form of a check deposit request.The mobile check deposit system 140 may be part of a single or adistributed computer system that are part of the recipient bank computersystem 120. The mobile check deposit system 140 includes a MICR scanninglogic 142, request MICR logic 144, and check deposit logic 146. Thecheck deposit request may include the amount of the funds to bedeposited, the account into which the funds are to be deposited, and oneor more images of the physical check(s) that were captured by a mobiledevice 110. The mobile check deposit system 140 is configured todetermine the bank information (e.g. routing number, account number,check number) that is written on the image of the check.

The account 125 holds funds that are transmitted to the recipient uponreceiving check deposit instructions from the recipient through themobile device 110. As described below, funds may flow into and out ofthe account 125 through the ACH system 150. The recipient bank computersystem 120 is connected to the source account bank computer system 130and the ACH system 150 through the network 160. Network interface logic127 may include, for example, program logic that connects the computersystem 120 to the network 160.

The MICR scanning logic 142 receives an image of a check sent by themobile device 110. The MICR scanning logic 142 includes an OCR systemthat determines the numbers and characters in the MICR line of the checkthat is being deposited using the mobile device 110. When the MICRscanning logic 142 determines that each character of the MICR line isrecognizable with a high degree of accuracy (e.g. greater than 70% levelof certainty), then the scan account and routing numbers are sent to thecheck deposit logic 146. Next, the check deposit logic 146 may transmitthe amount, and the account details to the ACH system to trigger thetransfer of funds to the account 125 of the recipient. However, when theMICR scanning logic 142 determines that one or more characters is notmachine recognizable, then the MICR request logic 144 may query the userto manually input the unrecognized MICR characters. The MICR requestlogic 144 may identify the characters that are unrecognized, and thensend open spaces at the character locations that are unrecognized to themobile device with a message for the recipient to manually input themissing numbers or characters. In one implementation, the MICR requestlogic 144 may create a MICR line with spaces for the numbers orcharacters that were not machine recognized. In particular, thecharacters and number that were recognized may be unchangeable for thecheck deposit transaction and the recipient will be blocked from editingthe recognized numbers or characters.

The source account computer system 130 includes account processing logic132, accounts database 134, and network interface logic 137. The bankaccount logic 139 may be operated by a second banking entity thatmaintains and handles transaction processing for source accounts. Thedatabase 134 may store information for a source account, designated byreference numeral 135 in FIG. 1 . The source account 135 may be a demanddeposit account held by a user with another financial institution thatwrote a check to the recipient. Although in the illustrated embodimentthe computer systems 120 and 130 are shown as being separate and ascommunicating through a network 160, it will be appreciated that thecomputer systems 120 and 130 may also be integrated in a single paymentprocessing system (e.g., if the two financial institutions are thesame).

The Automatic Clearing House (ACH) system 150 is used to transmit fundsfrom the source account to the recipient account (either directly orindirectly through the ACH system). As is known, the ACH Network is anationwide batch-oriented electronic funds transfer system whichprovides for interbank clearing of electronic payments for participatingdepository financial institutions. An ACH entry can start with anaccount holder (known as the Receiver in ACH terminology) authorizing anOriginator (e.g., a person or a company) to issue ACH debit or credit toan account. Depending on the ACH transaction, the Originator mustreceive authorization from the Receiver. In accordance with the rulesand regulations of ACH, no financial institution may issue an ACHtransaction (whether it be debit or credit) towards an account withoutprior authorization from the Receiver. Once authorization is received,the Originator then creates an ACH entry to be given to an OriginatingDepository Financial Institution (ODFI), which can be any financialinstitution that does ACH origination. This ACH entry is then sent to anACH Operator (i.e., central clearing facilities through which financialinstitutions transmit or receive ACH entries, e.g., the Federal Reserveor the Electronic Payments Network) and is passed on to the ReceivingDepository Financial Institution (RDFI), where the Receiver's account isissued either a credit or debit, depending on the ACH transaction. TheRDFI may, however, reject the ACH transaction and return it to the ODFIwith the appropriate reason, such as that there were insufficient fundsin the account or that the account holder indicated that the transactionwas unauthorized. An RDFI has a prescribed amount of time in which toperform returns (e.g., two to sixty days from the receipt of the ACHtransaction). An ODFI receiving a return of an ACH entry may re-presentthe ACH entry two more times, or up to three total times, forsettlement. Again, the RDFI may reject the transaction, after which theODFI may no longer represent the transaction via ACH. The abovedescription of ACH system is one in use currently, the embodiments ofthe current invention will continue to function similarly even if somemethods and steps in the ACH system are modified.

FIG. 2 is an example process that can be implemented by the checkprocessing system 100 of FIG. 1 to deposit a check. At block 201, therecipient bank computer system 120 receives a check image for funds tobe deposited into account 125. For example, the user may use the mobiledevice 110 to capture an image of a check and send it to the mobilecheck deposit system 140. After receiving the check image, the MICRscanning logic 142 determines whether the MICR line of the check ismachine recognizable. If one or more characters in the MICR line are notrecognized by the MICR scanning logic 142, then at block 203, the MICRrequest logic 144 requests the manual entry of one or more portions ofthe MICR line for the received check image. At block 205, the portionsof the MICR line that requires user entry may be highlighted. When theuser is prompted to enter the unrecognized characters, only thehighlighted portions need to be manually entered. In one embodiment, theuser is not permitted to edit those portions of the MICR line that werecorrectly recognized. After the manual entry, the updated MICR line isreceived at block 207. The updated MICR line at block 207 identifies atleast the routing number and the account number that is the source ofthe funds for the check deposit transaction. Next at block 209, thefunds may be received by the recipient account 125 based on the updatedMICR line.

FIG. 3 is an example screen 300 that is shown on mobile device 110 toinitiate a mobile check deposit. The user may choose from one or moreaccounts 302 to receive the funds from the check deposit. In the exampleshown, the user chooses to deposit funds to an account 302 (“ABC Account1234567890”). Accordingly, account 302 corresponds to the recipientaccount 125 described above in connection with FIG. 1 . The user mayhave received a previous deposits from the writer of the check and maychoose a depositor 604 from a plurality of depositors that are stored onthe mobile device 110. As shown in screen 300, the depositor 304 is anoptional field that may be filled out by the user. In order to deposit acheck the user may enter a check amount 306. In the example shown, thecheck amount is $200. The user may navigate menu selections to uploadone or more images of the check at front image and back image menuitems. When a user selects the image capture button 308, a screen asshown in FIG. 4 a may be displayed to facilitate capturing an image of afront of the check. When a user chooses to select the image capturebutton 310, a screen as shown in FIG. 4 b may be displayed to facilitatecapturing an image of a back of the check. The continue button 312 maybe selectable once the user provides input for the account 302, checkamount 306, and image capture buttons 308 and 310.

FIG. 4 a is a screen shot to capture the image of the front of thecheck. The screen in FIG. 4 a displays a rectangular guide box that isoverlaid over the image that is being captured by the image capturedevice 116. Inside the guide box 410, instructions may be provided tothe user regarding how to capture the front of the check. For example,guide box 410 recites, “place check on a black background, align thecheck within the lines and tap the camera icon.” In one embodiment, thelines at the edge of the guide box 410 maybe colored red until the frontof the check is detected by the image capture device 116. Upon detectingthat a check is within the lines of the guide box 410, the color of theguidelines may change to green from red to provide visual feedback tothe user to press the camera 412 button. Pressing the camera 412 buttonactivates the digital shutter mechanism and an image is stored in thememory of the mobile device 110. Similar to FIG. 4 a , FIG. 4 b is ascreen shot to capture an image of the back of the check.

FIG. 5 is a screen shot showing a special keyboard presented for theuser to edit a portion of an example MICR line. In FIG. 5 , it isassumed that at least some characters were not recognizable, and theuser is prompted to manually enter the missing portions of the MICRline. A portion of the MICR line is highlighted as shown in field 502.For example, the mobile device shows the highlighted portions 503 a and503 b to the user. In particular, the user is requested to type in thecorrect values into fields 503 a and 503 b. Also displayed in FIG. 5 isa special keyboard that allows the user to type in various MICR linesymbols 504 and numeric digits 506. The user may chose which of thehighlighted choices to edit first by choosing next or previous buttons.

FIG. 6 is a screen shot of a verification screen that includes the MICRline as input by the user in FIG. 5 for mobile deposit. The account 302and check amount 306 may be similar to screen shot from FIG. 3 .However, thumbnails of the front and back images of the check may bedisplayed on image capture buttons 308 and 310. Further, FIG. 6 alsoallows a user to input the first name, last name and account number ofthe depositor 604 (i.e. check writer). Also shown in FIG. 6 is the MICRnumber 608 that allows the user to view the check in their hand or a theimage from captured image 308. Upon verifying the MICR number, the usermay choose to submit the check information using the submit button.

The embodiments of the mobile check deposit are described with referenceto drawings. The drawings illustrate certain details of specificembodiments that implement the systems and methods and programs of thepresent invention. However, describing the invention with drawingsshould not be construed as imposing on the invention any limitationsthat may be present in the drawings. The present invention contemplatesmethods, systems and program products on any machine-readable media foraccomplishing its operations. The embodiments of the present inventionmay be implemented using an existing computer processor, or by a specialpurpose computer processor incorporated for this or another purpose orby a hardwired system.

As noted above, embodiments within the scope of the present inventioninclude program products comprising machine-readable media for carryingor having machine-executable instructions or data structures storedthereon. Such machine-readable media can be any available media that canbe accessed by a general purpose or special purpose computer or othermachine with a processor. By way of example, such machine-readable mediacan comprise RAM, ROM, EPROM, EEPROM, CD-ROM or other optical diskstorage, magnetic disk storage or other magnetic storage devices, or anyother medium which can be used to carry or store desired program code inthe form of machine-executable instructions or data structures and whichcan be accessed by a general purpose or special purpose computer orother machine with a processor. Combinations of the above are alsoincluded within the scope of machine-readable media. Machine-executableinstructions comprise, for example, instructions and data which cause ageneral purpose computer, special purpose computer, or special purposeprocessing machines to perform a certain function or group of functions.

Embodiments of the present invention have been described in the generalcontext of method steps which may be implemented in one embodiment by aprogram product including machine-executable instructions, such asprogram code, for example in the form of program modules executed bymachines in networked environments. Generally, program modules includeroutines, programs, objects, components, data structures, etc. thatperform particular tasks or implement particular abstract data types.Machine-executable instructions, associated data structures, and programmodules represent examples of program code for executing steps of themethods disclosed herein. The particular sequence of such executableinstructions or associated data structures represent examples ofcorresponding acts for implementing the functions described in suchsteps.

As previously indicated, embodiments of the present invention may bepracticed in a networked environment using logical connections to one ormore remote computers having processors. Those skilled in the art willappreciate that such network computing environments may encompass manytypes of computers, including personal computers, hand-held devices,multi-processor systems, microprocessor-based or programmable consumerelectronics, network PCs, minicomputers, mainframe computers, and so on.Embodiments of the invention may also be practiced in distributedcomputing environments where tasks are performed by local and remoteprocessing devices that are linked (either by hardwired links, wirelesslinks, or by a combination of hardwired or wireless links) through acommunications network. In a distributed computing environment, programmodules may be located in both local and remote memory storage devices.

An exemplary system for implementing the overall system or portions ofthe invention might include a general purpose computing computers in theform of computers, including a processing unit, a system memory, and asystem bus that couples various system components including the systemmemory to the processing unit. The system memory may include read onlymemory (ROM) and random access memory (RAM). The computer may alsoinclude a magnetic hard disk drive for reading from and writing to amagnetic hard disk, a magnetic disk drive for reading from or writing toa removable magnetic disk, and an optical disk drive for reading from orwriting to a removable optical disk such as a CD ROM or other opticalmedia. The drives and their associated machine-readable media providenonvolatile storage of machine-executable instructions, data structures,program modules and other data for the computer. It should also be notedthat the word “terminal” as used herein is intended to encompasscomputer input and output devices. Input devices, as described herein,include a keyboard, a keypad, a mouse, joystick or other input devicesperforming a similar function. The output devices, as described herein,include a computer monitor, printer, facsimile machine, or other outputdevices performing a similar function..

It should be noted that although the diagrams herein may show a specificorder and composition of method steps, it is understood that the orderof these steps may differ from what is depicted. For example, two ormore steps may be performed concurrently or with partial concurrence.Also, some method steps that are performed as discrete steps may becombined, steps being performed as a combined step may be separated intodiscrete steps, the sequence of certain processes may be reversed orotherwise varied, and the nature or number of discrete processes may bealtered or varied. The order or sequence of any element or apparatus maybe varied or substituted according to alternative embodiments.Accordingly, all such modifications are intended to be included withinthe scope of the present invention as defined in the appended claims.Such variations will depend on the software and hardware systems chosenand on designer choice. It is understood that all such variations arewithin the scope of the invention. Likewise, software and webimplementations of the present invention could be accomplished withstandard programming techniques with rule based logic and other logic toaccomplish the various database searching steps, correlation steps,comparison steps and decision steps.

The foregoing description of embodiments of the invention has beenpresented for purposes of illustration and description. It is notintended to be exhaustive or to limit the invention to the precise formdisclosed, and modifications and variations are possible in light of theabove teachings or may be acquired from practice of the invention. Theembodiments were chosen and described in order to explain the principalsof the invention and its practical application to enable one skilled inthe art to utilize the invention in various embodiments and with variousmodifications as are suited to the particular use contemplated. Othersubstitutions, modifications, changes and omissions may be made in thedesign, operating conditions and arrangement of the embodiments withoutdeparting from the scope of the present invention as expressed in theappended claims.

What is claimed is:
 1. A computer-implemented method, comprising:receiving, by a computing system, a check image corresponding to a checkfrom a mobile device associated with a user attempting to deposit thecheck at a bank; responsive to a determination that a first portion of aline depicted in the check image is recognized and that a second portionof the line is unrecognized, transmitting, by the computing system, arequest to the mobile device requesting a manual entry of at least thesecond portion of the line of the check image; receiving, by thecomputing system, a manually entered portion of the line from the mobiledevice; and combining, by the computing system, the manually enteredportion of the line with the first portion of the line to form acomplete line.
 2. The computer-implemented method of claim 1, whereinthe line identifies at least a routing number and an account numberassociated with a bank account.
 3. The computer-implemented method ofclaim 1, wherein the line is a Magnetic Ink Character Recognition (MICR)line of the check.
 4. The computer-implemented method of claim 1,wherein the second portion is determined to be unrecognized based on anoutput of an optical character recognition process.
 5. Thecomputer-implemented method of claim 1, further comprising identifying,by the computing system, one or more unrecognized characters in theline.
 6. The computer-implemented method of claim 5, wherein identifyingthe one or more unrecognized characters in the line comprisesperforming, by the computing system, a recognition algorithm on theline.
 7. The computer-implemented method of claim 6, wherein therecognition algorithm comprises optical character recognition (OCR). 8.The computer-implemented method of claim 5, wherein the request istransmitted in response to the identifying one or more unrecognizedcharacters in the line.
 9. The computer-implemented method of claim 5,wherein the request for the manual entry corresponds to the one or moreunrecognized characters in the line.
 10. The computer-implemented methodof claim 9, wherein the manually entered portion comprises the one ormore unrecognized characters, and wherein the complete line is formed bycombining the first portion of the line with the one or moreunrecognized characters received from the mobile device.
 11. Thecomputer-implemented method of claim 1, wherein requesting the manualentry of at least the second portion of the line further compriseshighlighting, by the computing system, the second portion of the line.12. The computer-implemented method of claim 11, wherein highlightingthe second portion of the line comprises at least one of blinking,underlining, showing a blank space, or drawing a box around the secondportion of the line.
 13. The computer-implemented method of claim 1,wherein requesting the manual entry of at least the second portion ofthe line further comprises generating, by the computing system on themobile device, an input device structured to facilitate an input of themanual entry of at least the second portion.
 14. Thecomputer-implemented method of claim 13, wherein generating the inputdevice further comprises generating, by the computing system, a specialkeyboard comprising one or more line characters.
 15. A computing systemcomprising: a network interface structured to connect the computingsystem to a network; and a processor and a memory comprisinginstructions which, when executed by the processor, configure thecomputing system to: receive, from a mobile device associated with auser, a check image corresponding to a check to be deposited at a bank;responsive to determining that a first portion of a line depicted in thecheck image is recognized and a second portion of the line isunrecognized, transmitting a request to the mobile device requesting amanual entry of at least the second portion of the line of the checkimage; receiving, from the mobile device, a manually entered portion ofthe line of the check image; and combining the manually entered portionof the line with the first portion of the line to form a complete line.16. The computing system of claim 15, wherein the line is an MICR linethat identifies at least a routing number and an account numberassociated with a bank account.
 17. The computing system of claim 15,wherein the second portion requested is determined to be unrecognizedbased on an output of an optical character recognition process.
 18. Thecomputing system of claim 15, further comprising identifying one or moreunrecognized characters in the line, wherein the request is transmittedfollowing identification of one or more unrecognized characters in theline.
 19. The computing system of claim 18, wherein the manually enteredportion comprises the one or more unrecognized characters, and whereinthe complete line is formed by combining the first portion of the linewith the one or more unrecognized characters received from the mobiledevice.
 20. The computing system of claim 15, wherein requesting themanual entry of at least the second portion of the line furthercomprises highlighting the second portion of the line, whereinhighlighting the second portion of the line comprises at least one ofblinking, underlining, showing a blank space, or drawing a box aroundthe second portion of the line.